If you’re seeking addiction treatment services for the first time, it can be confusing on which treatment centers and programs will be best. Between choosing a treatment facility and determining financials, it can be easy to get overwhelmed.
Harmony Healing Center works hard to ensure that finding substance abuse treatments is simple. We aim to find a personalized solution for you and work with your insurance company to ensure you are covered.
Contact us today to take the first steps in your substance abuse treatment journey.
Understanding Your Insurance Plan
If you’re new to insurance, or are trying to better understand your plan, there are a few key terms to keep in mind to understand your insurance coverage. Usually your insurance provider will explain all of these to you when you enroll in a plan.
However, here are some of the most important insurance terms to know.
Key Insurance Terms
- Deductible: This is the amount of money you will have to pay out of your own pocket each year before insurance begins to cover. Usually, these reset yearly.
- Copayment: Your copay is often the set amount of money you will have to pay for a specific purpose.
- Premium: This is the monthly cost of your insurance plan that you pay for.
- Coinsurance: This is usually the percentage you’ll pay out of pocket compared to what insurance will cover.
About Aetna Insurance
Aetna was originally founded in 1853, and covers roughly 6,000 hospitals and around 700,000 doctors offices. In total, Aetna currently provides insurance to around 23 million individuals and their families. Aetna has a variety of offerings including regular health insurance plans, dental insurance, health savings account options, vision insurance, and preventative care services.
Depending on your plan, the state you live in, and whether you are in-network or out-of-network, your Aetna rehab coverage costs will vary.
For addiction treatment centers, your insurance company may already have a set number of days you can spend in each level of treatment based on your network, deductibles, and prior insurance claims.
Aetna Mental Health Offerings
Aetna health insurance subscribers are also offered options through the Aetna Continuing Care Program. This program allows individuals recovering from drug abuse or alcohol abuse to attend Aetna-sponsored support groups and social events.
Types of Aetna Insurance Plans
If you have Aetna, you may be wondering about the different plans and what is covered for treatment centers under your specific insurance policy.
Current Levels of Aetna Insurance Plans
Aetna HMO Plan
This Health Management Organization plan is the most cost-effective of the Aetna offerings. This plan only covers in-network providers and requires that all treatment referrals must be given through a covered primary care physician.
This plan may be best for those with little medical issues.
Aetna POS Plan
The Aetna Point of Service plan also requires referrals through primary care physician visits. The premiums will be higher than the HMO plan, but the benefit is that this plan will also cover some costs of out-of-network providers.
Aetna EPO Plan
The Aetna Exclusive Provider Organization plan has a higher premium cost but lower deductible. This plan will still require referrals, but will give the user much more flexibility in treatment centers and locations. It will also cover some out-of-network costs as well.
Aetna PPO Plan
The Preferred Provider Organization plan is pricier but it will give the subscriber much more flexibility in selecting treatment centers that meet their needs. This plan gives full flexibility for in and out-of-network providers.
If you are needing to see multiple doctors, have multiple specialists, or have additional medical conditions, this plan may be best for you.
Aetna Substance Abuse Treatment
After the passing of the Affordable Care Act in 2014, health insurance providers cannot deny coverage or charge additional premium fees for pre-existing conditions.
Due to the mental health care and substance abuse treatment services needed to treat addiction, health insurance companies are required to classify substance use disorder as a pre-existing condition.
Aetna Mental Health and Treatment Coverage
Generally, your Aetna insurance policy will usually cover some combination for drug and alcohol addiction treatment, depending on your plan level:
- Detoxification services including medication assisted treatment and medication management
- Inpatient treatment or residential rehab
- Partial hospitalization programs
- Intensive outpatient treatment programs
- Sober living and other continuing care after-discharge options
- Dual diagnosis treatment for other mental health conditions in addition to substance abuse
Outpatient Rehab with Harmony Outpatient
Harmony Healing Center works with you to find the best outpatient plan for your addiction treatment center needs.
We offer partial hospitalization programs, intensive outpatient treatment, and a standard outpatient track.
Our treatment providers can work with you to find the best treatment options and create individualized recovery treatment plans. Treatment costs should not deter you from the drug and alcohol rehab services you deserve!